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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $199,824 | $105,866+88.8% | $90,766+120.2% | $134,545+48.5% |
| Participation rate | 42.9% | 78.3%-35.4pp | 75.7%-32.8pp | 81.2%-38.4pp |
| Annual return | -17.49% | -10.99%-6.5pp | -12.16%-5.3pp | 418.37%-435.9pp |
| Employer contribution / active EE | $1,797 | $3,464-48.1% | $2,922-38.5% | $4,742-62.1% |
| Participant deferral / active EE | $1,797 | $5,217-65.5% | $4,565-60.6% | $6,401-71.9% |
| Admin fee / account holder | $2,573 | $13,938-81.5% | $8,446-69.5% | $11,431-77.5% |